Financial Planning

Estate Planning

Secure Your Legacy with Effective Estate Planning

At Robinson Insurance & Financial Services, we aim to simplify estate planning for you and make it manageable.  Estate planning involves organizing your assets so that your heirs receive what you have intended for them. It can include creating a will, establishing a trust, and managing taxes upon death.

We will assist you in minimizing any taxes that your estate may owe and in identifying potential problem areas, while also offering solutions to address them.  We will make sure you have proper financial planning that takes into account your estate and final taxes.

Contact us today so we can work with you to develop a custom plan to avoid a tax bomb at your passing and leave the most possible money to your family and dependents.

Retirement Planning

Will you have income if you stop working? Where will it come from and how much will you have?

Retirement Planning involves listening to you and determining your goals for your retirement. We will help you figure out how much money you will need to live on when you retire and a plan to save that money

This will involve good tax planning and navigating the various retirement option such as RRSP’s TFSAs, pensions plan and more. Good retirement planning will help you identify obstacles and opportunities available to you.

There are many questions and uncertainties when it comes to retirement planning, and we will build projections and develop a customized plan that considers your unique financial situation, goals, and timeline.

At Robinson Insurance & Financial Services we will work with you to develop an effective retirement plan to give you security that won’t outlive your savings. Contact us today to see how we can help you develop the plan you need to enjoy your golden years.

Education Planning

A Registered Education Savings Plan (RESP) is a type of savings plan designed to help parents, grandparents’ friends or other family members save for a child's post-secondary education.

Contributions made to an RESP are not tax-deductible, but the investment income earned in the plan is tax-free until the funds are withdrawn for educational purposes. You can contribute up to $2,500 per child per year and the government will match 20% of this (free money). This government matching program is called the Canada Education Savings Grant (CESG).

Today’s educational savings plans are much more flexible than they used to be. If the child doesn't pursue post-secondary education, there are several options for using the money in the account. No matter what happens, the funds in the account won't be lost.

Contact our office today so we can help prepare you for the costs of education so that your children can achieve their academic goals without financial stress.

Planning for Small Business Owners

Planning for small business owners involves identifying and addressing the unique financial needs and goals of entrepreneurs and their businesses.

Some of the unique questions/obstacles you may have are:

  • Is your business and family covered in the event that you would have to stop working due to illness or injury or your passing?

  • Do you make good use of your tax deduction?

  • Should you be using your RRSP or TFSA account or both?

  • Do you feel you pay too many taxes?

  • Do you have a strategy for your retirement? (Selling the business or passing it on)

As a small business owner, it's important to have a comprehensive financial plan that addresses everything from retirement savings and tax strategies to risk management and succession planning.

At Robinson Insurance & Financial Services, we will work with you to develop a customized financial plan that takes advantage of all available opportunities and considers your financial well-being. Contact our office today to get started planning your future.

Business Succession Planning

If you own a business, do you plan to retire or pass it on to someone else?

Business succession planning involves creating a plan to ensure a smooth transition of your business ownership to a successor during your lifetime or to your heirs if you were to pass. We will work closely with you to create a personalized plan that aligns with your goals and values while minimizing or eliminating taxes as much as possible.

Contact us today so we can help you have peace of mind knowing your business is in capable hands, whether during your lifetime or after you are gone.

Corporate Services

As a corporate owner, it is important to have a comprehensive financial plan that takes into account everything from creditor protection to retirement savings and tax strategies.

You may ask yourself:

  • Do I have the right steps in place to minimize my tax in and maximize my income in retirement?

  • Do I have protection from creditors on my assets?

  • Do I have the proper insurance on a key person or a succession plan in place if I retire or were to die young?

At Robinson Insurance & Financial Services we aim to optimize your corporate finances, protect the business and its key individuals, and protect your #1 asset - yourself so you can reach your financial goals no matter what happens.  We will work to ensure your future is protected and we can minimize or eliminate taxes as much as possible now and in your retirement. 

Contact us today to see how we can help you develop a customized plan to tailor to your unique situation.